Is V B Desai Fin. overvalued or undervalued?

As of 14 November 2025, the valuation grade for V B Desai Fin. has moved from attractive to fair, indicating a shift in its perceived value. The company is currently fairly valued based on its financial metrics. Key ratios include a PE Ratio of 15.96, an EV to EBIT of 11.80, and a PEG Ratio of 0.27, which suggests that the stock may be undervalued relative to its growth potential.
In comparison to peers, V B Desai Fin. has a PE Ratio that is significantly lower than Bajaj Finance, which stands at 34.62, and Life Insurance, which is at 11.25, indicating that V B Desai Fin. is positioned more favorably in terms of valuation. The company's recent stock performance has outpaced the Sensex over the past week, with a return of 9.87% compared to the Sensex's 1.62%, although it has underperformed on a year-to-date basis. Overall, V B Desai Fin. appears to be fairly valued within its industry context.